218 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 218 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 744 sqft · built 1946
Lot Size	0.164 acres (7,143 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Apr 2019)
Tax Bill	$1,267 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20286-000-000`

Property Details

APN / Parcel Number

Primary APN	`20286-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	744 sqft Living Area
1st Floor Area	744 sqft
Flooring	Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,143 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Porch	Unfinished Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	218 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT LOT 4 BLK 4 ORB 4108 P 274 MAP 105C3
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	4
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1900

Owner

Source: Bay County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FEDERAL CREDIT UNION
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 3, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2019 · Amount on Record
Deed Sale	Apr 3, 2019 · Amount on Record
Prior Sale	Apr 28, 2005 · Amount on Record
Deed Document Number	201934013
Deed Book / Page	4108 / 274
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Aug 28, 2026
Property Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223
Document Number	0000053442
Book / Page	5073 / 186
Instrument Date	Aug 24, 2026
Instrument	202653442
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223

Mortgage

Document Number	0000053442,
Date	Aug 28, 2026
Book Page	5073/186
Instrument	202653442

Lender

Name	TYNDALL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2031

Interest

Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223

Mortgage

Document Number	0044132341
Date	Jun 1, 2021
Book Page	4413/2341
Instrument	2021041439

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 3, 2019
Property Address	218 E 2ND PL, PANAMA CITY, FL 32401-3223
Document Number	0041080274
Book / Page	004108 / 000274
Instrument Date	Mar 29, 2019
Instrument	34013
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 E 2ND PL PANAMA CITY FL 324013223, PANAMA CITY, FL 32401-3223

Mortgage

Document Number	41080277
Date	Apr 3, 2019
Book Page	004108/000277
Instrument	34014

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,267.00 (-7.32%) Homeowner's exemption	$122,296 (+6.03%)	$144,696 (+18.95%) Land $34,402 Building $110,294
2024	$1,367.00 (-4.74%)
2023	$1,435.00 (+1.49%) Homeowner's exemption	$115,341 (+3%)	$121,648 (+8.63%) Land $29,700 Building $91,948
2022	$1,414.00 Homeowner's exemption	$111,982 Land $25,789 Building $86,193	$111,982 Land $25,789 Building $86,193

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

Nearby Properties on E 2nd Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures